: You don't buy the vacation home as a "second home." Instead, you buy a new property as your primary residence . Government-backed programs like VA loans or USDA loans allow for 0% down payments if you intend to live there.
: If you have built up significant equity in your current home, you can use a Home Equity Line of Credit (HELOC) or a Home Equity Loan to "borrow" your own money for the down payment of the new property. buy a vacation home with no money down
If you don't want to move, you can look for "motivated sellers" who are willing to play the role of the bank. How to Buy Vacation Rental Property w/ No Money - Mashvisor : You don't buy the vacation home as a "second home